Payment optimisation

Maximise approvals. Minimise declines.

Help increase revenue and reduce churn with optimised processing capabilities.

Desktop screen of an authorisation rate optimisation bar graph; graph features green bars and a 4% average lift

Drive auth rates and help grow your bottom line

Keep customer data current

Securely store your customer card credentials and leverage specialized tools to keep them updated and help prevent declines.

Accept more orders

Help drive authorisation rates and increase revenue with solutions designed to minimise latency, reduce friction at checkout, and decrease cart abandonment.

Minimise declines

Increase payment acceptance by harnessing machine learning to intelligently retry transactions and boost recovery rates.

No additional integration needed

Payment optimisation is built into PayPal Enterprise Payments, so your transactions will automatically be optimised to maximise approvals.

Optimisation driven by our integrated processing engine

Our adaptive processing strategies, fresh vault, and global network all work together to help you increase authorisation rates.

PayPal’s global network

Trillions of transaction data points
Expansive two-sided network
Global banking relationships
Direct links to card networks

Vaulting

Network Tokenisation
Batch Account Updater
Real time Account Updater

Adaptive processing strategies

Real time decisioning and retries
Robust risk filters
Merchant advisory
Ongoing monitoring and alerts

Drive conversion with end-to-end payments optimisation

Account Updater

Securely store and keep your customer card credentials up to date to help boost approvals and avoid declines due to stolen, expired, or lost cards.

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Network Tokenisation

Use network tokens to reduce latency, improve auth rates and keep data fresh with dynamic updates in real-time.

More About Network Tokenisation

3D Secure

3D Secure is built in and provides an extra authentication layer for online purchases, shifts liability for eligible chargebacks to issuers, and meets SCA requirements in applicable markets.

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Smart Retries

Intelligently retry declines based on customer behavior, transaction history, and payment processing performance data to help recover transactions and minimize checkout friction.

Smart Routing

Smart Routing uses machine learning to predict the optimal processing path for primary and retry transactions, in order to help improve auth rates and reduce transaction expense.

Direct Connect

By establishing additional redundancy with more processor options, improve long-term latency, boost authorisation rates, and mitigate the impact of timeouts, outages, and transaction failures.